Green resolution calls for flood insurance reform


LANSING―Sen. Mike Green has introduced a resolution calling on Congress to eliminate the National Flood Insurance Program (NFIP) and allow states to collaborate on more affordable insurance options.

“Michigan homeowners have paid five times more in premiums to the NFIP program than they have received in claims for the last 30 years,” said Green, R-Mayville. “We’re subsidizing higher risk areas of the country without any accountability for how rates are set.

“This resolution calls for major reforms that would give Michigan residents the option to purchase insurance at fair and affordable rates.”

The resolution specifically outlines how the Federal Emergency Management Agency (FEMA) has increased the area covered in floodplain maps with little explanation regarding the risk. This action resulted in a mandate for more property owners and businesses to purchase flood insurance through the program.

“More and more, Michigan is being asked to pay what should be someone else’s insurance bill. This is a major expense that a lot of folks don’t necessarily need and can’t afford,” Green said.

In the resolution, Green also calls for support of a bill introduced by U.S. Rep. Candice Miller that would eliminate the NFIP program and permit individual states to collaborate on flood insurance more suitable to the specific risks for their residents.

“There is a legitimate need for flood insurance in many areas, but this federal program has failed and should end,” said Green. “My resolution calls on Congress to produce a solution that meets needs while being fair to Michigan property owners.”

For more information or to contact Green, please visit